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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $74,377 | $63,809+16.6% | $81,353-8.6% | $80,935-8.1% |
| Participation rate | 82.1% | 63.9%+18.2pp | 69.5%+12.6pp | 67.7%+14.5pp |
| Annual return | 12.04% | 16.37%-4.3pp | 24.82%-12.8pp | 35.66%-23.6pp |
| Employer contribution / active EE | $1,822 | $1,981-8.0% | $2,464-26.0% | $2,757-33.9% |
| Participant deferral / active EE | $4,848 | $3,093+56.7% | $3,885+24.8% | $4,299+12.7% |
| Admin fee / account holder | $1,778 | $5,686-68.7% | $5,766-69.2% | $6,924-74.3% |